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Category "Banking"

How to recover from a bad credit score

How to recover from a bad credit score

It is hard to get a mortgage with a bad credit score, and receiving a poor credit car finance is a sure way to spend more money on your vehicle than you should have. In order to get the money which you need for a house or a car, you will need a decent credit score. If your score is bad, then you need to recover from it.
All about ISA

All about ISA

There are many financial terms and jargon, most of which people do not understand. One of those terms is a cash ISA. This article will discuss the definition for the term İSA and you can decide if this financial term has any relevance to you.
How do I get out of debt without bankruptcy?

How do I get out of debt without bankruptcy?

If you are over-burdened with unsecured debt, you need to take urgent action to realign your income and expenditure. There are ways to get out of debt without declaring bankruptcy, but they involve making an affordable monthly payment to your creditors. However, you will be able to eliminate debt and start a life which is completely free from credit obligations.
Interest rate history for the UK

Interest rate history for the UK

Getting to know the bank interest rate history for the UK isn't necessary for those looking for home mortgages. However, it helps, especially with variable mortgages and for deciding whether fixed loan rates being offered are fair. It's not everyday that one goes around to mortgage finance companies for a loan to buy a house. So, do some research and get to know the best mortgages that lending firms can offer.
A guide to business deposit accounts

A guide to business deposit accounts

Business savings accounts have many forms, including the business deposit accounts, money market accounts, fixed term deposits and call deposits. With money that is as inconsequential as one Euro, you can open some types of business accounts. This article acts as a guide to business deposit accounts.
Free credit checks: The facts

Free credit checks: The facts

There are myths surrounding checking your credit report. A lot of people around the United Kingdom are scared about checking their report because they fear it means there will be a black mark placed on it. However, you can check your report and your credit score without affecting it.
All about the average mortgage rate in the UK

All about the average mortgage rate in the UK

Keeping tabs on the average mortgage rate in the UK may be helpful to those seeking a loan. Not everyone can look at historical mortgage rates or a mortgage rate chart from a lender and figure out if the deal that they're getting is good. Knowing the current average mortgage rates helps home buyers to compare it to the lender's offered 5-year mortgage rates and 20-year mortgage rates. In this article, learn more on the average mortgage rate in the UK.
How to apply for a PLUS loan

How to apply for a PLUS loan

Going to college is not only expensive for college students, it can also become expensive for parents. College loans are usually in the student’s name, but many parents are starting to help prevent their child from having many loans in their name by applying for parent PLUS loans.
How to avoid credit card charges

How to avoid credit card charges

Using a credit card is a convenient way of doing your shopping because there won’t be any need for you to carry cash around. You can also keep track of your expenditure and finances through your credit card. The only problem that comes with the use of a credit card is the charges at the end of the month. If you are not aware, you can get into serious debt thus affecting your credit rating. There are many measures that you can take to avoid credit charges. Read on this article to know more on how to avoid credit card charges.
How to compare credit card rates

How to compare credit card rates

Regardless of whether you're looking for a low fee card, zero percent APR balance transfer cards or credit cards with rewards, your credit rating will heavily influence your chances of getting approval. If you do have a good credit, it's worth knowing how to compare credit card rates so that you can save money. Read on the following article to know more on how to compare credit card rates.
How to manage your money and avoid debt

How to manage your money and avoid debt

Managing money involves balancing off one’s expenditure to the income available. It is important to wisely manage your income so as to avoid borrowing to supplement your expenses. Good management of money eliminates the chances of bankruptcy and promotes financial freedom. This article highlights ways in which you can manage your money and avoid debt.
How to get a housing loan

How to get a housing loan

Before you accept the first loan which approves you for your brand new house, consider all your options to ensure that you get the lowest home loan rate possible. Based on the nature of the loan, the type of house which you are applying for or your military status, there may be specialised programs which are waiting for you. Here are some of the options.
Bad credit financing: What to look out for

Bad credit financing: What to look out for

While it is possible to get financing with bad credit, there are some disadvantages. The major disadvantage is that there are some lenders who are looking to take advantage of people who cannot get credit anywhere else. Fortunately, if you take your time before jumping into a loan to make sure you read all of the terms and conditions, you can usually spot these lenders before you sign a contract with them.
All about: Lloyds Banking Group

All about: Lloyds Banking Group

Lloyds Banking Group was founded in the midst of the recession that resulted from the credit crunch in January 2009. With more than 30 million customers, it has the largest private shareholder base in the UK, and claims to provide more current accounts, savings, personal loans, credit cards and mortgages than any other of the UK banks. In England and Wales, Lloyds TSB and Halifax are its main brands - in Scotland, it is the Bank of Scotland.
How to get the best personal loan rates

How to get the best personal loan rates

Personal loans are an important financial tool for people who need money now, but want to pay the money back over time. Personal loans are often used to pay for bills, send kids to private school or college, to upgrade a home or buy furniture. If you need a personal loan, there are steps that you can take to ensure that you get a low rate loan.